The conversation is the entry point. The reasoning is the product.
Vecta is a digital advice platform: an AI adviser that sits in front of your member base and reasons over each member's actual financial position — then puts a qualified adviser between every draft and every member. The result is digital advice an institution can stand behind.
A human, speaking presence — not a chatbot widget.
Members meet a life-like avatar that speaks, listens and remembers. The format matters: people disclose more, and stay longer, in a conversation that feels personal. That disclosure is what makes genuine personal advice possible.
- Plain language in, plain language out. No forms, no triage queue, no product jargon.
- Goals first. The adviser develops what the member wants from life, then links strategies to it.
- Emotionally engaged. Members see why each recommendation is theirs — which is why they act on it.
Reasoning over real positions — not generic content.
Vecta doesn't retrieve articles or serve calculators. It interprets each member's actual circumstances the way an adviser would, identifies what's relevant, and drafts personal advice with supporting documentation.
- Holistic. Contributions, consolidation, insurance and drawdown considered together — not in silos.
- Documented. Every draft arrives with the workings an adviser needs to review it quickly.
- Improving. Reviewer edits feed back as labelled signal, so accuracy rises and review cost falls.
A qualified adviser signs off — every time.
Personal advice is never released autonomously. Advisers review drafted advice in a purpose-built console, edit where needed, and sign off before anything reaches a member. One adviser can supervise many advised relationships instead of servicing a few.
- Review, not rework. Drafts arrive complete with workings, so review is minutes, not hours.
- Full audit trail. Every interaction produces compliance artefacts by default.
- Conservative posture. Nothing goes out that an adviser and an auditor couldn't stand behind.
Designed inside the compliance perimeter, not bolted onto it.
For superannuation trustees, the Retirement Income Covenant makes member outcomes a whole-of-membership obligation. Vecta is designed so that meeting it doesn't mean taking on unmanaged advice risk.
Adviser-gated advice
Personal advice is released by adviser sign-off — never autonomously.
Regulatory-grade artefacts
Compliance artefacts and a complete audit trail on every interaction, by default.
Data domiciled in Australia
Member data held under enterprise-grade security controls, never moved offshore.
Deployed in your channels
Vecta sits inside your existing member portal and app — your brand, your perimeter.
See it reason.
A live walkthrough with our team takes thirty minutes.